Get the Scotia Momentum® No-Fee Visa credit card

Are you a Scotiabank customer with access to online banking?

Are you new to Canada in the past three years?
Visit a branch to apply. Use our Branch Locator

Save time at the checkout

Visa payWave* - Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!3

My Mobile Wallet is now included with the FREE Scotiabank Mobile Banking app and lets you tap your smartphone on the terminal to pay. Just look for the Visa payWave symbol at the checkout.

Apple Pay - The easy, secure, and private way to pay with your eligible Scotiabank credit cards.6

Click to PayΔ* - Paying online with your Visa card is easy, smart, and secure. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted.

Scotia Momentum® 
No-Fee Visa* Card

Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1 Plus, get a 1.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0)1

No annual fee

Convenient with Visa payWave* simply wave your card and go!3


Are you new to Canada in the past three years?

Visit a branch to apply.

Use our Branch Locator

Scotiabank Rewards Calculator

Calculate and Save

Great reasons to get this card for your everyday purchases

1% Cash back on all eligible gas station, grocery store, drug store purchases and recurring payments.2

Plus earn 0.5% cash back on all other eligible purchases.2

Gas Stations2


Grocery Stores2


Drug Stores2


Recurring Bill Payments2


Plus earn 0.5% cash back on all other eligible purchases.2

Scotia Momentum No Fee Visa card Cash Back Program Terms and Conditions

Fees, Rates & Other Information4

Annual Fee


0 each Supplementary Card

Interest Rates


19.99 on purchases. 22.99 on cash advances, balance transfers and Scotia Credit Card Cheques

Credit Limit



Your card comes with benefits

Take advantage of all the ways a Scotia Momentum® No-Fee Visa card adds to your life.

Start a cash flow

Make the most of your card. Consolidate all your recurring payments on your card and turn them into cash back rewards!

More details, Start a cash flow
Get a Supplementary Card

Add an additional Supplementary Cardholder to your Scotia Momentum® No-Fee Visa card Account. One account, multiple cards. Added benefits! Get an additional card for a friend or family member.5

More details, Get a Supplementary Card
Save time at the checkout

Tap your Scotia Momentum® No-Fee Visa card or your smartphone for quick easy payments.

More details, Save time at the checkout
Save on car rentals

As a Scotia Momentum No-Fee Visa Cardholder, you can save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S. when you pay with your Scotia Momentum No-Fee Visa card.       

More details, Save on car rentals

Scotia SelectPayTM

A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with no interest rate on your plan and a low fee.§

Scotia Credit Card Protection (optional)

This optional insurance coverage can provide you and your family financial protection by paying off your outstanding account balance or helping to cover your monthly credit card payments as a result of certain unexpected life events, such as Death, Critical Illness, Hospitalization, Disability, Job Loss or Strike or Lockout.

There are two different coverage bundles to choose from:

Basic Protection 

  • Death Benefit
  • Critical Illness Benefit  
  • Hospitalization Benefit

Comprehensive Protection

  • Death Benefit
  • Critical Illness Benefit
  • Hospitalization Benefit
  • Disability Benefit
  • Job Loss Benefit
  • Strike or Lockout Benefit

Scotia Momentum® No-Fee Visa* Card

In Person

Make an appointment

Visit a branch
By Phone

takes about 8 minutes

1 (800) 747-3208
Apply Online

Cash back plus NO annual fee

Apply Now